Interested in a Conforming Community or Government Guaranteed Home Loan?
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Interested in a Conforming Community or Government Guaranteed Home Loan?
Quick turnaround for all purchase and refinance transactions
Conforming Loans
Insignia Mortgage brings unique underwriting acumen to the residential conforming (Fannie Mae and Freddie Mac) and government (FHA and VA) lending market. We can quickly analyze and source these more traditional 15 and 30-year fixed rate mortgages while providing borrowers with a single point of contact throughout the transaction.
If you’re looking for a purchase, rate and term refinance, or a cash-out refi, we can assist you. These types of loans are offered at very competitive rates and terms. These programs are designed around primary or second home transactions. However, there are some interesting programs for investment properties as well. These specific loans will never come with a prepayment penalty.
The conforming lending space is highly fluid and relies primarily on automated underwriting for decision-making. Insignia Mortgage’s team of professionals is highly proficient with this technology and can easily navigate these automated systems yielding quicker approval turn times, less paperwork, and smoother closings.
Program Highlights:
- Loan amounts up to $1,149,825 in certain counties.
- Co-signor permitted.
- Financing up to 97% loan to value with mortgage insurance.
- Gift funds for down payment permitted.
- No closing cost options available.
- Credit scores as low as 620.
Community Development Portfolio Loan Program– LA County Only/Orange County/Ventura County
As Insignia Mortgage continues to build niche lending products, we are excited to introduce a new bank which is expanding its community lending footprint. This product specifically serves low to moderate income areas within Los Angeles County, Ventura County and Orange County. The program is designed to be very competitive from an interest rate standpoint, and very accommodating from an underwriting standpoint.
The Program Highlights:
- Ultra-competitive 30-year fixed rate mortgage.
- Loan amounts up to $1,149,825 (Census track will determine maximum loan amount).
- Stated income available up to 80% LTV.
- Co-signor permitted.
- No mortgage insurance.
- Financing up to 97% loan to value.
- Gift funds for down payment permitted.
- Credit scores as low as 620.
- Debt to income ratio up to 55%.
Veteran Administration (VA) Jumbo Up To $4 Million
Insignia is now offering VA loans up to $4M million dollars with as little as 10% down. This program is competitively priced and offers our Veterans (current and retired) attractive financing in higher-priced communities within California. Rates and terms are aggressively priced as this program is Government sponsored.
While not widely known, there is no maximum loan amount for VA loans. Therefore, we can now offer this program up to $4M with as little as 10% down. We are thrilled to help bring this new Veteran’s loan program to market.
Program Highlights:
- As this is a newer product, please contact us to discuss the options in further detail.
Loan Experts
From my early career as a sales associate through my years as the owner of a successful Los Angeles-based real estate company, I gained solid respect for the important role a mortgage lender plays in the successful purchase of a residential property. In my experience, Insignia Mortgage consistently accomplished what others could not. I not only use the firm for my personal finance needs but unhesitatingly recommend Insignia to my friends and colleagues.
John Aaroe, Owner, John Aaroe Real Estate
I have done business with Chris Furie for over 20 years and I look to Chris and Damon to source financing on my most complex transactions that require an out-of-the-box lending solution.
Kurt Rappaport, Westside Estate Agency, Wall Street Journal #4 Ranked Realtor 2013
I want to thank you for your help in getting me my loan. You not only got me a great loan that I’m very happy with, but you stayed on it from beginning to end and made me feel very comfortable through the process. You are the best in the business and I would suggest you to anyone buying a house.
Jay Luchs, Newmark Grubb Knight Frank
For over 14 years, I have used Chris’ services to obtain mortgage loans for many of my high-end clients as well as my own mortgage needs. He consistently provides the best terms and rates available in the market place. I will continue to recommend him to my friends and clients in the future.
Joyce Rey, Executive Director Coldwell Banker Previews International
Chris is highly attuned to the needs of the borrower and tailors his loan recommendations accordingly. No matter how complex the terms may be, I can always count on Chris to deliver my clients the best deal possible, on time and without fail.
Jade Mills, Estates Director Coldwell Banker – Beverly Hills
Conforming and Government Guaranteed Mortgage Highlights
Automated approvals
Up to 97% Loan-To-Value
With Mortgage Insurance
Non-occupant Co-Borrowers
Welcome
Close As Quickly
as 14 Days
Transaction Spotlight
The Situation
Insignia Mortgage helped a two-income family purchase a $750,000 primary residence purchase with a loan covering 100% of the purchase price. One of the borrowers was self-employed. The family was seeking an extremely competitive 30-year fixed-rate mortgage interest rate and needed to close in under 30 days.
The Solution
Insignia Mortgage was able to locate a community bank that offered a community-focused loan product up to 100% of purchase price in certain census tracks. The loan product was offered at zero points and had no upfront or monthly mortgage insurance.
The Loan Details
- $750,000 loan amount
- 30-year fixed-rate mortgage
- 5.65% APR
- First-time home buyers
- Closed in 14 Days